New EV with a wallbox
You are planning a wallbox or have just had one installed. We check whether a separate tariff or your household tariff suits you better.
EV charging · As of October 2026
Electricity for your EV: charging well at home
If you charge your electric car at home, you need much more electricity than before. Whether a separate EV tariff (Autostromtarif) makes sense or your normal household tariff is enough depends on your mileage, your meter and your network area. This page explains the most important rules and shows you how to calculate your charging costs yourself.
- Wallbox
- § 14a EnWG
- EV or household electricity
- Costs per 100 km
Charging at home: what you should know
If you charge regularly at home, you usually use a wallbox. You must notify the network operator (Netzbetreiber) of every EV charging point before you start using it. If the total power is above 12 kVA, the network operator must give approval in advance (§ 19 NAV).
Wallboxes with more than 4.2 kW that were put into operation from 1 January 2024 count as controllable consumer devices (steuerbare Verbrauchseinrichtungen) under § 14a EnWG. If the grid is at risk of overload, the network operator may temporarily reduce the charging power, but not switch it off completely: at least 4.2 kW remains available. In return, you pay reduced network charges (Netzentgelte).
- Module 1: a flat-rate reduction in network charges, about €110 to €190 a year as of 2023, according to the Federal Network Agency (Bundesnetzagentur). No separate meter is needed. This applies if you do not choose anything else.
- Module 2: the unit price (Arbeitspreis) of the network charges falls by 60%. For this, the wallbox needs its own meter.
- Module 3: time-variable network charges, available since April 2025 in addition to Module 1. You need a smart metering system (intelligentes Messsystem).
EV tariff or household tariff?
There is no general answer. What matters is your mileage, your meter set-up and the prices in your network area.
Separate EV tariff
- Separate meter: it is needed so that the charging electricity can be billed separately.
- Unit price: in an analysis by the ADAC (German automobile club) from January 2026, EV electricity was on average around 3 to 4 ct/kWh cheaper than household electricity.
- Second standing charge: you pay another standing charge (Grundpreis) for the additional contract.
- One-off costs: an additional meter and possibly a conversion of the meter cabinet (Zählerschrank). The ADAC gives up to €2,000 for the conversion.
- Mileage: according to the ADAC, an EV tariff can be worthwhile from about 10,000 km a year.
Charging on your household tariff
- No second meter and no second standing charge.
- Module 1: the flat-rate reduction in network charges is also possible without a separate meter.
- Higher consumption: your annual consumption rises, so a low unit price becomes more important.
- Mileage: below about 10,000 km a year, the normal household connection was usually cheaper recently, according to the ADAC.
- Monthly instalment (Abschlag): adjust it to the higher consumption so that you do not face a large back payment (Nachzahlung).
Costs per 100 km: how to calculate them yourself
The consumption of an electric car is given in kilowatt hours per 100 kilometres. In ADAC tests in 2026, the values were between around 13 and 30 kWh per 100 km, depending on the model. These values include charging losses, unlike the display in the on-board computer.
The formula is: consumption in kWh per 100 km × unit price in € per kWh = electricity costs per 100 km. For your additional annual consumption: kilometres per year ÷ 100 × consumption per 100 km.
Use your own unit price and the real consumption of your car. For the annual costs, add the standing charge and, if applicable, the costs of a second meter.
Worked example with assumed values: 18 kWh × €0.35 = €6.30 per 100 km. At 10,000 km a year, that is 1,800 kWh of additional consumption.
GHG quota (THG-Quote) briefly explained
Owners of fully electric cars can have the greenhouse gases saved by their vehicle certified once per calendar year. A fixed estimate per vehicle class is used; the actual charging electricity is not measured. You can leave the application to the German Environment Agency (Umweltbundesamt) to a service provider, who sells the certified amount to companies that are obliged to meet the quota. You need a copy of your vehicle registration certificate part I (Zulassungsbescheinigung Teil I).
Plug-in hybrids do not count, only fully battery-electric vehicles. How much money you receive for this depends on the market and is not guaranteed.
Who this page is for
House with a garage or parking space
The wallbox is connected to your house's grid connection. We look at the meter cabinet, the module under § 14a EnWG and your total consumption.
Flat in a block of flats
Check with your landlord or the owners' association where the wallbox will be connected and which meter the electricity runs through.
Households with a heat pump and an EV
With several controllable devices, it is worth looking at the overall picture of meters, modules and tariffs.
How it works with MB Finance
This website does not offer a live tariff comparison. You can get specific tariffs via “Request a quote” or in a consultation.
- 01
Send a request
You contact us by phone, WhatsApp, email or via the request form. The advice takes place by phone or Microsoft Teams.
- 02
Check consumption and contract
We look at your current contract, your household consumption, your mileage and your meter set-up.
- 03
Compare tariffs
We compare suitable household and EV tariffs from the suppliers that MB Finance works with and calculate them with your mileage.
- 04
Receive a quote as a PDF
You receive the quote as a PDF in German and, if you wish, also in Persian or English.
- 05
Sign the order
If you agree, you sign the order directly on screen or via a link.
- 06
Switch without interruption
The new supplier usually cancels your old contract and registers you with the network operator. You can keep charging without interruption.
Frequently asked questions
Do I have to register my wallbox?
Yes. You must notify the network operator of every EV charging point before you start using it. If the total power is more than 12 kVA, the network operator must give approval in advance. The electrical contractor often takes care of the registration.
Do I need a second meter for an EV tariff?
Yes, for a separate EV tariff and for Module 2 under § 14a EnWG. For Module 1, a separate meter is not needed. You then charge on your normal household tariff.
Is an EV tariff worthwhile for me?
That mainly depends on your mileage. According to the ADAC, a separate tariff can be worthwhile from about 10,000 km a year; below that, the household tariff was usually cheaper recently. We calculate both options with your figures.
What do I get from the GHG quota?
As the owner of a fully electric car, you can sell the greenhouse gas reduction once a year through a service provider. The amount paid out varies and is not guaranteed. The GHG quota has nothing to do with your electricity tariff.
Does MB Finance also advise on car insurance?
Yes. MB Finance also advises on insurance, for example car insurance for your electric car. You can find out more at mitblick-finance.com.
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Open the calculatorSources
- Bundesnetzagentur: Controllable consumer devices under § 14a EnWG
- Gesetze im Internet: § 19 NAV (operation of installations, charging points)
- ADAC: EV tariffs – charging your electric car cheaply at home (as of 2 February 2026)
- ecomento: ADAC test ranking 6/2026 (consumption including charging losses)
- Umweltbundesamt: FAQ on implementing the 38th BImSchV (GHG quota, electric vehicles)
Get personal advice
Call us, send us a message on WhatsApp or by email, or request a quote directly. We give advice by phone or Microsoft Teams – in German, Persian and English.